Date Received: 2023-02-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I received a promotional email from Chase bank regarding my Chase Freedom card XXXX for a My Chase Plan with {$0.00} plan fees and NO INTEREST. On XX/XX/XXXX around XXXXXXXX XXXX I booked a ticket XXXX for {$7500.00} for travel to XXXX on XXXX XXXX app. By XXXXXXXX XXXX that same morning I realize my departure time from XXXX to XXXX was too early in the morning. I called XXXX XXXX on their XXXX toll free number to CANCEL that ticket. I then rebooked my travel to XXXX on the XXXX XXXX app with the same dates with a later departure time from XXXX to XXXX on XX/XX/XXXX. The NEW booking ticket XXXX charge for the same {$7500.00} on XX/XX/XXXX. When this charge XXXX posted to my account I created a My Chase Plan for 18 months at {$410.00} with NO fees or interest charges. XXXX XXXX Refunded the CANCEL charge of {$7500.00} to my account after they erroneously let the charge post to my account on XX/XX/XXXX. The refund was posted on XX/XX/XXXX clearing on XX/XX/XXXX. On XX/XX/XXXX my statement closing date I received an email from Chase at XXXX XXXX XX/XX/XXXX XXXX EST informing me that I had already PAID off My Chase Plan before Ive make my first payment?! I scheduled my first payment for My Chase Plan on XX/XX/XXXX at XXXX MST, the day after my statement closing date. I scheduled a {$500.00} payment for XX/XX/XXXX. On XX/XX/XXXX when I checked my Chase mobile app I was SHOCKED to see that I was charged a PURCHASE CHARGE of {$150.00}! I called Chase immediately at XXXX on XX/XX/XXXX and spoke with XXXX a call center rep for Chase in XXXX, FL for 54minutes. She did her best working with two supervisors to remove {$150.00} interest charge. However, she informed me that My Chase Plan was no longer in place. I followed up that call by sending several messages to Chase through the Chase website over a span of several days. Then 11 days later on XX/XX/XXXX speaking with Chase rep XXXX in the XXXX I found out that I was a victim of Payment Allocation. I then obtained Chase Executive Offices email by a XXXX search where I sent Chase executive offices an email detailing my problem. On XX/XX/XXXX my case was forward to XXXX. I spoke XXXX a couple of times between XX/XX/XXXX and XX/XX/XXXX. Sending several emails with all the relevant documentation. XXXX informed me on XX/XX/XXXX that My Chase Plan can not and will not be reinstated. Obviously I didnt agree with result and voice my displeasure with Chases determination. Its my belief that Chase capitalized on a technical glitch to take advantage of me and by charging me interest when we had an agreement for 18 months that there would be no interest added to my XXXX XXXX charge of {$7500.00}. Its my belief that XXXX XXXX shouldve just reverse the charges since I CANCELLED the ticket within 8 hours during the 24 hours cancellation rule. There shouldnt been any refund to begin with since I immediately CANCELLED the purchase. That gave Chase the opportunity to do away with My Chase Plan to my detriment but to their benefits of charging me interest. Heres the Claim # XXXX
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please be advised that my office represents XXXX XXXX. She went on a trip to visit her family in XXXX from XXXX to XXXX see the attached passport. Someone withdrew from my bank account on XX/XX/10 {$3000.00}. Attached is the bank statement. She advised Chase that it was not her who withdrew the funds and that she was not in the United States. My client is willing to provide photo identification so they can compare it to the photo of the person who did the actual withdrawals.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/ I received a call from the Chase customer service number ( XXXX ) from someone identifying themselves as a customer service rep stating transfers were attempted on my account and that in order to have these transfers reversed, I needed to submit a wire to the designated account that the rep provided in the amount of XXXX for the investigation process. I was taken advantage of by following what I presumed was a real representatives instructions with the intent to secure the funds. To verify me as the account holder he asked me for my full name, address, full card details and pin, date of birth, last XXXX digits of social. I was worried about my account after this occurred so I reached out to Chase myself for additional information and realized it was a scam after they had no records of anything I was describing. I asked them for assistance immediately on what I should do and initiated a wire recall the same day and canceled my card, changed my username, password and email for the app. My first call at XXXX I was transferred 3 times until the last rep told me to do a recall on the app and that he would do it on my behalf as well since it was not available in the secure messaging section as described. I found it myself in the request info option on the transaction. I also went to my local branch for advice but they were also unable to help and called customer service inside the bank for me around XXXX and this rep told me they approved the transaction with me and that I said it was for business purposes, I immediately told her there was no possible way that was me they spoke to but she said there is nothing that can be done about that. It was not until XXXX when I reached a rep that escalated my case since he did not see the wire recall request. Upon questioning how this wire was approved in the first place given the large sum of XXXX, the fact that I never sent a wire before, and my account history over the years, I was told again on XX/XX/XXXX at XXXX that legitimacy had been verified, this rep stated if they saw this transaction they would not have let it go through as they are trained on this. I was not reached about the nature of this transaction, if I had I would have been able to explain the circumstances and stopped it with real reps. I suspect the scammer also spoofed my number and used my credentials to verify my identity in order to pass this through their security measures. I was on the phone with him at the time stamp they recorded ( XXXX ). On XX/XX/XXXX I was notified by retail wire servicing through secure messaging on the app that the recall was initiated and swift message was sent, they advised since it was fraud to initiate a claim and wait XXXX business days for the receiving banks response since the money was now no longer with Chase. I reached out to retail wire servicing XX/XX/XXXX via secure message on the chase bank app for any update and they responded XX/XX/XXXX that the recall was not successful on XX/XX/XXXX. I called the customer claims department for the next course of action at XXXX XX/XX/XXXX and was told by a supervisor named XXXX my claim is denied for inability to recall the funds and that I have only law enforcement left. I did everything I could to recover from this attack but they were unable to help retrieve the money. I have reported this incident to my local police department, the FTC & IC3 and sent in requests for fraud alerts from the XXXX credit bureaus. This situation has been extremely devastating to me and I am very concerned with how easy it was for the scammer to not only impersonate a rep but also myself to bypass all the security measures put in place to prevent these occurrence 's. My bank has told me there is nothing else they can do for this matter and law enforcement is my only option. There needs to be better protection for bank customers from scams. The response from the bank leaves me with my worst fear that I will never be able to recover this money. This was my life 's savings and I am seeking any resolution for recovery.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a personal check on XX/XX/2023 inside a Chase Bank branch ATM, several business days ago for $ XXXX. I have deposited similarly large amounts prior into my account over the years, and have never defaulted nor overdrafted, nor given Chase any reason to suspect the legitimacy or credibility of my account or its transactions. A hold has been placed on the funds until ( Chase estimates ) XX/XX/XXXX, even though the check issuer bank ( XXXX ) has already posted and released the funds. None of the funds have been made available so far, in direct violation of the fund scheduling per Regulation CC ( 12 CFR 229 ) the Expedited Funds Availability Act. Not even the cursory {$200.00} that is required within 1-2 business days. The bank is unable to specifically state what type of hold is on the deposit, nor do they have a compliance officer available for fund deposit concerns. The bank claims I waived my rights from the Expedited Funds Availability Act when I opened my checking account. The bank wants me to do their job and setup a conference call between Chase and XXXX to address the issue. I do not work for Chase bank. I should not have to do their job to access my money that they are holding hostage, illegally. I should not have to take unpaid time off work to fight to access my money that they are holding interest-free.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX Credit Card from Chase and never got a response. I waited for almost 2 months before reaching out to see what happened. They informed me over the phone that the application was denied. One of the reasons was due to my credit report. My husband works in banking and said that if they relied on any information in the credit report that they HAD to contact me with the reason for denial as part of the FCRA.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been banking as a " Private Banking '' Chase customer for 34 years. I convinced my new husband to move his accounts there as well. I was out of town and got a text asking if I made a transfer for {$4000.00}. I didn't so I said no. I then got a call a while later asking if i made a transfer from a certain account.That was not my account but apparently my husbands sole owned account. I told the fraud department to call him not me. They should never have called me because my info is not aligned to that account only joint accounts. They didnt call him; denied the transfer and froze him out of all the accounts. They refuse to acknowledge or fix the problem. They wont even put in writing the situation. I can not be legal to call someone that is not aligned with an account and then freeze the account because they won't call the actual owner. I have tried to get this fixed but they said they did nothing wrong and will not change anything, I am writing but the name on the account is XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recently made two purchases on XXXX XXXX with Chase visa credit card. These were on XXXX for {$650.00} and XXXX for XXXX. Over the last at least three years, I have made numerous, most likely hundreds of, XXXX XXXX purchases with my chase credit card without any issues or added fees. However, these two transactions are now being considered as cash advances. These purchases were for goods and services. I received no cash. Chase is now imposing what I assume will be hundreds of dollars in fees and interest because these are now considered cash advances. Throughout all of my other XXXX XXXX purchases I have never had to pay chase any fees or interest. In fact I made a XXXX XXXX purchase on XXXX and it was not considered a cash advance and no fees and interest. I know not to make a cash advance due to the fees and interest. I pay my card at the end of the month to avoid interest. I was not notified these purchases would be considered cash advances prior to their posting on my account. From my knowledge nothing changed between XXXX and XXXX. This was not my first time, if it was I could accept my mess up and take my punishment, but three years of history and notice makes this an entirely different situation.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On Friday, XX/XX/XXXX at approximately XXXX ET, I attempted to make an excess payment to my credit card issued by Chase Bank to be applied to my balance transfer that has a promotion that is set to expire on XX/XX/XXXX. The issuer, Chase Bank, stated that I could not do that because I have other current balances on my credit card account that has a currently higher interest rate that they must apply the majority of the excess payment to. I then inquired on how they could deny this as the Credit Card Accountability Responsibility and Disclosure Act of 2009, Section 164 ( Prompt and Fair crediting of payments ) ( B ) ( 2 ) made available from the ftc 's website at XXXX : XXXX states : " CLARIFICATION RELATING TO CERTAIN DEFERRED INTEREST ARRANGEMENTS.A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. '' I asked the representative I spoke with if the balance transfer on my card that has the 0 % promotional APR set to expire on XX/XX/XXXX will have previous unapplied ( deferred ) interest not collected added after the promotional period ends, and the customer service representative confirmed that it will. I asked if this balance transfer amount is considered a deferred interest balance per the Bank 's definition and understanding and the customer service representative confirmed that it is. The customer service representative also stated that the only way I would not incur the total deferred interest on the balance transfer amount is if I pay the credit card in full before XX/XX/XXXX. I am seeking assistance with having this issue rectified if they are circumventing or breaking the law or if we're not understanding how they are not breaking the law, we'd like understanding of this. Thank you for your consideration
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My name is XXXX XXXX and I work for XXXX XXXX in XXXX Tx. We sold XXXX XXXX, order XXXX, 40 virginia chairs and when he purchased he signed a form stating that if the furniture was damaged after it left our warehouse he would take it up with the freight company. ( we even purchased insurance for him ) .That form also specifically stated that he would not charge back his purchase under any circumstances. He received the furniture. He did not report to us that it was damaged, though he did mark it on the bol. He instigated a chargeback with chase bank credit card division. Chase bank sided with him. The customer did not tell chase that he was actively using the furniture and that he had not returned it. Attached you will find pictures from the customers website showing his customers actively using our furniture that was not returned and that was damaged beyond repair and that he said he returned to us. This gentleman got his 40 chairs, and he got his XXXX $ and he made a fool of both chase bank and myself. I filed a claim with chase bank because I have photographic evidence of his maintaining, using and profiting from the use of our chairs. He has worked the system and has stolen from my company and used chase bank as his weapon.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ). Inquiry Date XX/XX/2022 for JPMCB - Card Service. I have attempted to dispute this inquiry with all three credit bureaus and JPMCB. JPMCB agreed to investigate and remove the inquiries due to identify theft, however the inquiry remains on my credit report.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A